Risikovurdering

The book provides an overarching perspective on sustainability from a historical, practical and legal perspective. It offers a holistic understanding of economic and ecologic concepts. Schools for sustainable business models are introduced and discussed. As a broader concept Life Cycle Assessments are discussed and examples for their application are provided with a focus on CO2 Footprints. Ecodesign as measures for reducing Carbon Footprints are introduced both for physical products and for service organizations. From an organizational perspective it is clear that managing the reduction of the sustainability-related impact is a matter that has to involve all stakeholders. Tasks for all involved are given and their contributions are described. As it is crucial to provide evidence for the activities reported audits are described as well methods to transfer information to the appropriate stakeholders. The book is targeted at practitioners and students who want to get to know the subject or need to implement the respective measures in companies.

Climate change, COVID-19, Ukraine: it seems that crises are here to stay, which poses major challenges for the financial management of companies. This book addresses these issues, and present concrete approaches to resolving them.Until recently, the past was considered a reliable basis for predicting the future. As this is no longer the case, financial calculation and management models must take uncertainty into account. This affects the entire discipline of financial management, whether it is the valuation of goodwill in accounting, the estimation of capital costs in company valuation, or the strategic controlling of an international group of companies. There are three main challenges to be overcome: first, uncertainty must be integrated into traditional models, then uncertainty must be quantified, and lastly, potential developments must be modelled. This requires not only a deep understanding of the respective field, but also the ability to suitably adapt traditional modelsand techniques. This volume discusses these issues and offers new insights into how financial management will evolve in light of the current developments.

¿Alguna vez ha tenido la impresión de que tropezar en el laberinto financiero es como ser arrojado al fondo de la piscina sin saber nadar? Puede ser un mundo aterrador y confuso, pero no te preocupes: no estás solo. Imagina que tienes un tesoro de conocimientos financieros y que vas a emprender un viaje para transmitirlos a las generaciones futuras. Hola y bienvenido al emocionante viaje conocido como "Transmitir la sabiduría financiera".Imagínese convertirse en el hombre o mujer sabio en familia que ayuda a sus seres queridos a navegar por el complejo laberinto del dinero personal. No se trata sólo de invertir o ahorrar dinero; se trata de dejar un legado de decisiones financieras acertadas. Así que acerca una silla cómoda, sírvete una taza de tu bebida preferida y comencemos una discusión sobre cómo desmitificar el mundo de las finanzas, una charla a la vez.Considere este libro como su guía fiel a medida que aprende las técnicas para sentar una base financiera sólida. Estamos aquí para desmantelar obstáculos y hacer que estos aterradores problemas financieros parezcan naturales. Lo cubrimos en todo, desde hacer un presupuesto hasta ahorrar, establecer metas financieras y dominar el concepto de gratificación retrasada.Trabajaremos juntos para ordenar la maraña de deuda y crédito. Aprenderá cómo manejar las deudas, llevarse bien con las tarjetas de crédito y comprender esas enigmáticas calificaciones crediticias. Advertencia: no es tan difícil como podría parecer.La palabra "invertir" puede hacerle estremecer o despertar su interés. Lo llevaremos a un viaje emocionante donde aprenderá sobre el poder del interés compuesto, se familiarizará con diferentes tipos de inversiones y ganará confianza para expandir su dinero a largo plazo.Imagine que ha amasado una gran fortuna y quiere asegurarse de que sea segura y fácil de transferir a sus herederos. En esta situación se pueden utilizar técnicas de planificación patrimonial y herencia. Lo guiaremos a través de los fundamentos, las regulaciones y las estrategias astutas para proteger su legado.La vida no siempre va según lo planeado, ¿verdad? Se producen reveses financieros, cambios en las carreras y obstáculos imprevistos. ¿Pero qué es esto? Seremos sus formadores en materia de resiliencia financiera y le brindaremos consejos sobre cómo capear estas tormentas con facilidad.Cuando hayamos terminado, no solo serás financieramente sabio sino también el gurú financiero al que acudirán tus familiares y amigos. Así que abróchese el cinturón y emprendamos un emocionante viaje por el reino de la "transmisión de la sabiduría financiera". ¡Comencemos ahora!

A veteran Wall Street Journal reporter dives into the world of billion-dollar traders and high-stakes crisis predictors who strive to turn extreme events into financial windfalls. There's no doubt that our world has gotten more extreme. Pandemics, climate change, superpower rivalries, technological disruption, political radicalisation, religious fundamentalism - all threaten chaos that put trillions in assets at risk. But around the world, across a wide variety of disciplines, would-be super-forecasters are trying to take the guesswork out of what formerly seemed like random chance. Some put their faith in 'black swans' - unpredictable, catastrophic events that can't be foreseen but send exotic financial instruments screaming in high-profit directions. Most famous among this group of big-bet traders are those who run the Universa fund, who, on days of extreme upheaval, have made as much as $1 billion.Author Scott Patterson gained exclusive access to Universa strategists and met with savvy seers in a variety of fields, from earthquake prediction to counterterrorism to climatology, to see if it's actually possible to bet on disaster - and win. Riveting, relevant, and revelatory, this is a must-read for anyone curious about how some of today's investors alchemise catastrophe into profit.

This book presents various concepts and applications related to risk-conscious operations management. It also provides an overview of the risk-based engineering ¿ fundamental to the concept of risk-conscious operations management. It presents the reliability concept to support Dependency Modelling, which includes hardware systems structures and components for reliability improvement and risk reduction. The book further develops and builds attributes and model for risk-conscious culture ¿ critical to characterize operational approach to risk and presents human factor modelling, where it works on developing an approach for human error precursor analysis. This book will be useful for students, researchers, academicians and professionals working on identifying risk and reliability issues in complex safety and mission critical systems. It will also be beneficial for industry risk-and-reliability experts and operational safety staff working in the complex engineering systems.

This book examines the evolving dynamics between banks and firms within the context of alternative finance and Environmental, Social, and Governance (ESG) integration. The book contributes to understanding the bank-firm relationship in light of the changing financial landscape and its implications for sustainable development. The book employs an empirical analysis to examine the bank-firm relationship in the context of alternative finance and ESG performance to assess firms¿ riskiness, access to funds and cost of capital.The book addresses research gaps by comprehensively analysing the impact of alternative finance and ESG on the bank-firm relationship. It assists banks in adapting their financing practices and policies to align with emerging trends, and it offers insights for banks to evaluate and mitigate ESG-related risks effectively. It provides policy implications for promoting responsible lending, supporting the growth of alternative finance, and incentivising ESG integration in the financial sector. Ultimately, it contributes to formulating policies that foster a sustainable and inclusive financial system, and will be of interest to professionals and researchers in finance, alternative finance, and sustainable finance.

In the ever-evolving landscape of startups, risks and opportunities draw in creative and entrepreneurial individuals who strive to realise their visions. While much of this occurs concealed from the gaze of the public, innovation has transformed from an enigmatic black box into a predictable and manageable process¿provided one possesses the right tools and knows where to look and what actions to take. The method presented here for evaluating and managing startup risks is geared towards the uncertain world of innovative startups and enables entrepreneurs and investors to navigate it more confidently. The book focuses on the initial stages of startup creation all the way through to implementation and marketing. It adopts an incremental delivery perspective, underscoring the importance of understanding the intricate processes of bringing an innovative idea to fruition. The book also explores broader applications of the proposed Hypothesis Testing Method for the systemic development of innovation-promoting ecosystems and startups in the context of post-war economic recovery. This guide will be invaluable to practitioners seeking to navigate the complexities of innovation, harnessing the potential of cutting-edge startups, and contributing to the resurgence of economies emerging from the aftermath of armed conflict.

WE ALL BEGIN WANTING A LIFE OF PASSION AND PURPOSE. BUT... Fears, discouragement and the demands of 'real life' creep in. They're all part of living. But what if they've become roadblocks? What if they've become our new reality?Here's your "on-ramp" to the life you were meant forWe all get doubtful, worried and "down" at times. Worse, when you feel your whole life is a struggle, it drains your energy and optimism-even your hope. If that sounds like you, the life you hoped for might seem impossible to attain, but becoming "unstuck," dramatically reversing the negative thought patterns that prevent you from really living, is always within your reach. How is this possible?Enter Unchain Your Brain by Mark Ashe-author, business owner and quality-of-life evangelist. Ashe offers sound spiritual and practical ways to view the challenges life throws at us. With an emphasis on meeting you where you are right now, you'll be guided past the roadblocks into your new life of intention and purpose. Along the way, you'll learn:· Why worry is usually far worse than the actual event-even if it happens· How to instantly reduce the fear around any goal· Why the idea that "Wealth = Happiness" is wrong· Why focusing on long-term goals can actually be counterproductive· Why an obsession has enormous creative power, and how to create one· How few skills you really need to build a fulfilling life (good news!)· Why successful people do the hard things firstChock-full of countless stories of real people engaged in and winning in the tough places of life, Unchain Your Brain promises to elevate you above life's routines and ruts, and onto a path to a richer, more fulfilling life-no matter where you are now.

This textbook will offer an introductory insight into the nature, role, and context of accounting information systems. It will explore how companies integrate a range of technologies into their accounting information systems to assist in the management and control of organisational resources and the maximisation of shareholder wealth. This introductory text, aimed primarily at undergraduate students on specialist accounting-related academic programmes including degrees in Accounting and Accounting and Finance, explores the practical and technical aspects of accounting information systems and considers the social, political, and economic pressures that continue to shape the very nature of such accounting information systems with a practical user-orientated perspective. Each chapter will contain learning objectives, case studies, examples, references, further reading, self-review questions, questions and problems, alongside a glossary and appendix.

This textbook is intended to fill a gap in undergraduate finance curriculums by providing an asset pricing text that is accessible for undergraduate finance students. It offers an overview of original works on foundational asset pricing studies that follows their historical publication chronologically throughout the text. Each chapter stays close to the original works of these major authors, including quotations, examples, graphical exhibits, and empirical results. Additionally, it includes statistical concepts and methods as applied to finance. These statistical materials are crucial to learning asset pricing, which often applies statistical tests to evaluate different asset pricing models. It offers practical examples, questions, and problems to help students check their learning and better understand the fundamentals of asset pricing., alongside including PowerPoint slides and an instructor¿s manual for professors.

Discover the detrimental impact of loans and expenses, from student loans to unplanned expenses, and learn how to break free from the cycle of accumulating debt. Explore traditional investment options like fixed deposits, gold, and real estate, as well as the power of the stock market and mutual funds. Unveil the remarkable potential of index funds, a low-risk investment avenue that offers guaranteed returns in the long term.But it doesn't stop there. This book goes beyond financial investments, highlighting the importance of investing in yourself through education and skill development to enhance your earning potential. Things you'll learn:Crafting your early retirement plan: learn step-by-step guidance to create a tailored roadmap for retiring early.Financial independence strategies: discover proven methods to attain and maintain financial freedom.Wealth accumulation techniques: master the art of accumulating wealth through savvy investment practices.Retire young and prosper: uncover the secrets of retiring early while living a fulfilling life.Investment planning for retirement: navigate investment options tailored for retirement success.Let me also say this. When i speak of retirement, i'm not talking about sitting around doing nothing. While that might be enjoyable for a few days or weeks, that would quickly get old. If you're ambitious enough to pursue an early retirement, you'd be bored out of your mind if your retirement years didn't include meaningful activities.

This book offers a simplified, clear, and logical explanation of risk and hedging in oil trading built up from basics. It provides techniques to identify and manage risk¿legal risk, operational risk, financial risk, moral risk, etc.¿in oil trading with the key chapters discussing price risk and hedging. Written by an industry expert with real-world experience and featuring examples based on real trades, the book allows readers to understand the principles and applications without being overwhelmed or misled by jargon and assumptions, and will be of interest to commodity traders, investment bankers, risk managers, and anyone looking to gain further knowledge about oil market risks and hedging.

There is a plethora of literature on the topic of penetration testing, hacking, and related fields. These books are almost exclusively concerned with the technical execution of penetration testing and occasionally the thought process of the penetration tester themselves. There is little to no literature on the unique challenges presented by creating, developing, and managing a penetration testing team that is both effective and scalable. In addition, there is little to no literature on the subject of developing contractual client relationships, marketing, finding and developing talent, and how to drive penetration test execution to achieve client needs. This book changes all that.The Business of Hacking is a one-of-a-kind book detailing the lessons the authors learned while building penetrating testing teams from the ground up, making them profitable, and constructing management principles that ensure team scalability. You will discover both the challenges you face as you develop your team of offensive security professionals and an understanding of how to overcome them. You will gain an understanding of the client¿s requirements, how to meet them, and how to surpass them to provide clients with a uniquely professional experience. The authors have spent combined decades working in various aspects of cybersecurity with a focus on offensive cybersecurity. Their experience spans military, government, and commercial industries with most of that time spent in senior leadership positions. What yoüll learnHow to handle and ongoing develop client relationships in a high end industryTeam management and how the offensive security industry comes with its own unique challenges. Experience in other industries does not guarantee success in penetration testing.How to identify, understand, and over-deliver on client expectations.How to staff and develop talent within the team.Marketing opportunities and how to use the pentesting team as a wedge for upsell opportunities.The various structures of services available that they may present to their clients.Who This Book Is ForThis book is written for anyone curious who is interested in creating a penetration testing team or business. It is also relevant for anyone currently executing such a business and even for those simply participating in the business.

This book gives an overview of the most common techniques used by analysts and experts to assess and value banks in all phases of a Bank¿s life, from licensing to resolution. These include licensing procedures, going concern market valuation techniques, liquidation, and resolution methodologies. The author sheds light on financial institutions¿ reporting and financial statements and explains how to interpret the data. Special attention is given to the different valuation approaches for financial institutions ranging from the basic PE and PBV methodologies to the more sophisticated ones such Discount cash flow (DCF), Dividend discount model (DDM), excess return models (EVA), and their variant, the warranted equity value (WEV) method. The authors also illustrate how to build a sum-of-the-parts model (SOTP) and how to treat capital in the process as well as developing a bottom-up approach for the cost of equity. The book provides numerous real-world examples which will hopefully help practitioners build their own MS Excel models. Furthermore, this publication investigates some of the critical aspects of banking M&A and its valuation implications.This book also takes a deep dive into valuation for Banks in gone concern status, describing the basis for three different types of valuation of Banks in resolution: to inform a decision on whether to put a bank into resolution; to inform the choice of resolution tools and the extent of any bail-in of liabilities; and to determine whether any creditors would have been better off had the bank gone into insolvency. Special attention is given to the valuation of non-performing loans (NPLs) and financial assets focusing on some operational aspects of winding-down a bank¿s loan and trading book portfolio.

This book is about the establishment of the Insolvency and Bankruptcy Code, in 2016, one of the most important new developments in Indian commercial law. The law has major implications for firms, their creditors, and a variety of the professional services that feed into the decisions of borrowers and lenders including lawyers, accountants and valuers. A new profession of insolvency professionals has come to exist owing to the law. There are several questions about bankruptcy reform in the mind of researchers, policy makers and practitioners. How has the reform progressed? How has it reshaped the incentives of firms? What are the difficulties faced? What are the optimal paths for borrowers and lenders and their advisors under the rubric of the law? How should laws and institutions be modified? The book has a unique set of chapters, by key people who have shaped the field which offer novel insights into these questions.The book has been edited by key people who have worked on bankruptcy reform since 2010. Dr. Sahoo has been the chairperson of the Insolvency and Bankruptcy Board of India since the establishment of this regulatory agency. Dr. Thomas was a member of the Bankruptcy Law Reforms Committee which drafted the IBC, and led the internal team of the BLRC which drafted the law. The book is an authentic and credible analysis of the happenings in the Indian insolvency and bankruptcy ecosystem from the start, with interest areas for international and domestic, economics/finance and law, researcher and practitioner communities.

Spätestens seit den massiven Desinformationsangriffen auf westliche Impfstoffhersteller während der Coronapandemie ist klar: Gezielt gestreute ¿Fake News¿ haben sich vom politischen in den wirtschaftlichen Raum ausgebreitet und Unternehmen werden sich zunehmend bewusst, dass auch sie zur Zielscheibe werden können. Die Folgen eines Desinformationsangriffs können gravierend sein: Wertverluste, Reputationsschäden sowie verunsicherte Mitarbeitende, Geschäftspartner und Investoren. Die modernen Kommunikationskrieger verfügen im Internet und in den sozialen Medien über ein mächtiges, breit gefächertes und relativ kostengünstiges Arsenal, mit dem sich Desinformationen in minutenschnelle effektiv verbreiten lassen, sodass Unternehmen kaum Zeit bleibt, sich wirksam dagegen zu wehren. Uwe Wolff beleuchtet die neue Situation, in der sich Unternehmen befinden, gibt Auskunft zur Abwehr von Desinformationsangriffen und zu deren zukünftiger Entwicklung. Dazu interviewte er unter anderem Medienanwälte und Kriminologen, Unternehmens- und IT-Berater, einen Darknet-Spezialisten, sowie einen Medien-Prankster und den ehemaligen Vorsitzenden der deutschen Wikimedia.

The SFPE Guide to Fire Risk Assessment provides guidance to qualified practitioners in developing, selecting, and using fire risk assessment methodologies for the design, construction, and operation of buildings, facilities, or processes. It also addresses fire risk acceptability, the role of fire risk assessment and fire risk management in the fire safety design process, and associated communication/ monitoring of fire risk.The guide Includes a new flow chart that outlines the risk assessment process. It also includes new information related to:Risk PerceptionF-N curvesRisk communicationResidual risk managementRisk monitoringSensitivity analysisThe guide also provides clear guidance on conducting qualitative and quantitative analysis. It also uses examples that reinforce topics discussed.

"This book should be mandatory reading for C-suite executives and board members. It shows you how to move from viewing cybersecurity as a risk to avoid, and a cost center that does not add value and is overhead, to seeing cybersecurity as an enabler and part of your core strategy to transform your business and earn customer and stakeholder trust."-Paul Connelly, First CISO at the White House and HCA HealthcareThis book will help you learn the importance of organizations treating enterprise cyber risk management (ECRM) as a value creator, a business enabler, and a mechanism to create a competitive advantage. Organizations began to see the real value of information and information technology in the mid-1980s. Forty years later, it's time to leverage your ECRM program and cybersecurity strategy in the same way.The main topics covered include the case for action with specific coverage on the topic of cybersecurity as a value creator,including how the courts, legislators, and regulators are raising the bar for C-suite executives and board members. The book covers how the board's three primary responsibilities (talent management, strategy, and risk management) intersect with their ECRM responsibilities.ECRM was once solely focused on managing the downside of risk by defending the organization from adversarial, accidental, structural, and environmental threat sources. Author Bob Chaput presents the view that we must focus equally on managing the upside of cyber strengths to increase customer trust and brand loyalty, improving social responsibility, driving revenue growth, lowering the cost of capital, attracting higher quality investments, creating competitive advantage, attracting and retaining talent, and facilitating M&A work. He focuses on the C-suite and board role in the first part and provides guidance on their roles and responsibilities, the most important decision about ECRM they must facilitate,and how to think differently about ECRM funding. You will learn how to the pivot from cost-center thinking to value-center thinking.Having built the case for action, in the second part, the book details the steps that organizations must take to develop and document their ECRM program and cybersecurity strategy. The book first covers how ECRM must be integrated into business strategy. The remainder of that part presents a sample table of contents for an ECRM Program and Cybersecurity Strategy document and works through each section to facilitate development of your own program and strategy. With all the content and ideas presented, you will be able to establish, implement, and mature your program and strategy.

"GlobalStocks: Empirical Market Integration Study" is a comprehensive analysis of the behavior of stock markets across the world, and the degree to which they are integrated. The author is an experienced financial analyst and researcher who has worked extensively on the topics of financial markets, portfolio management, and risk assessment.In this book, author provides a detailed examination of the factors that influence the behavior of stock markets, such as macroeconomic indicators, political events, and investor sentiment. She also investigates the degree to which global stock markets are integrated, analyzing the correlations and spillover effects between different markets.The book includes an in-depth analysis of several key stock markets, including those in the United States, Europe, and Asia. Also, provides practical guidance on how investors and traders can use this information to make informed decisions about their portfolios.The book also covers advanced topics such as algorithmic trading, high-frequency trading, and the impact of technology on financial markets. Author explains these topics in a clear and concise manner, making them accessible to readers with a range of backgrounds and experience levels.Overall, "GlobalStocks: Empirical Market Integration Study" is an essential resource for anyone interested in understanding the behavior of global stock markets. It provides a comprehensive overview of the key factors that drive market movements and offers practical guidance on how to use this information to make better investment decisions.